First off I’d like to say thank you to everyone in this forum. I haven’t been a member long but I’ve spent a lot of time reading trying to rebuilding my credit and I now know the importance of it. Since I officially joined the forum in past week I looked at my credit reports and I’ve made a plan of action. In reading my credit reports I found that I had a closed citi bank credit card that had adverse information that was still reporting. It wasn’t until a couple of night I ago I started thinking about when I actually had a citi bank credit card….. Then it dawned on me I never actually had one, EVER! Then I started thinking years ago when I was with an ex of mine she mentioned that she was going to add me as an authorized user on her account. This was probably back in 2003, long story short we broke up and I never thought about it. All these years I had ding  from citi and I didn’t even know. This showed me the importance of going through your credit reports thoroughly and carefully. 

 

With the advices of people on this forum I’ve disputed citi and BofA on the premises of  “not my accounts” because I was only an authorized user, so I’m pretty confident those will get taken care of. Then I had a few other paid-CA’s, that are still reporting but its been the midway point as they are expected to fall off in 2012 and 2013. I wrote GW letters and hopefully they’ll budge and delete them. I know that its difficult  now because they are in the position of power because they’ve been paid. But I was honest in the letters I wrote, so I’m optimistic. I’ll keep you all posted. If all goes we I should be well on my way to 700 by then end of the year. 

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Back in 2002 my a**hole mother opened up a credit card for Fashon Bug in my name with out my knowledge. I didn’t find out till a couple of years ago after it had been charged off and sold to a collection agency. Only last year did I really start paying attention to my credit and start to clean it up, so I just paid the collection. Unfortunately at the time I wasn’t very educated on credit and the importance of it. There are 2 accounts on my Experian report that are listed as “Legally paid in full for less than the full balance ” for this Fashon Bug account.  I’m guessing one was the original and the other one is the collection.  For some reason its showing the DOFD is only in 2009 which is totally wrong. The actual DOFD was in April of 2003 which would explain why these accounts are no longer on my Equifax and TransUnion reports. So my question is what is the best way to go about getting this off of  my Experian report? Do I dispute it because it wasn’t actually my debt or did I already take on responsibility for the debt because I paid the collection? Or do I dispute the DOFD issue. What do you think the easiest most affective way to handle this?

 

I’m just now starting to understand the importance of rebuilding my credit and have some collectors that I’d like to contact and settle with.  Unfortunately I can’t find any contact information for the collections agencies.  Any ideas on how to go about contacting them?

 

The names of the agencies according to my report are “701yc00488″  and “Aac”

 

Thanks!

Jan 282010
 

Hello Everyone, I just really wanted to say thank you! When I started my quest of credit repair last Feb 2009 I had EQ and TU scores of 550.  I was actually minutes away from bankruptcy cause I figured there was no hope for me. When I entered college I didn;t realize the importance of credit and I got credit cards and cell phones at acted foolishly. But this site helped me realize that there is a light at the end of the tunnel and that with hard work and the right info you can clear your credit. So after PFD’s GW’s and rehabbing my student loan I got an alert today saying that my EQ fico is 776! I almost fainted lol.. I’m still waiting for my dispute to be complete for TU and EX (TU is now 709 but it still has to update for my student loan and EX I don’t know) So to all of you that are rebuilding and praying for that day that you have Fair, to Good, to GREAT credit, that day could be here soon! And sooner then you think, good luck!

 

 

550 EQ to 776 EQ in 1 year!

 

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